BlastPoint's Credit Union Scorecard
MOUNTAIN
Charter #68531 · NC
MOUNTAIN has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.1% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.73% above tier average
- + Total Members: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.5% in tier
- - Credit Quality Pressure: Bottom 25.4% in tier
- - Efficiency ratio 0.38% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,082
+1.0% YoY+0.2% QoQ
|
+15.5K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 6.5% in tier |
| Assets |
$359.6M
+5.9% YoY-0.8% QoQ
|
+$128.3M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$201.9M
-4.2% YoY-0.7% QoQ
|
+$54.1M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$317.2M
+4.5% YoY-1.2% QoQ
|
+$116.9M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
0.9%
+9.6% YoY+3.7% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
4.3%
+2.5% YoY+1.7% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
77.7%
+1.7% YoY-2.1% QoQ
|
+0.4% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.8%
+4.8% YoY-4.2% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
63.6%
-8.3% YoY+0.5% QoQ
|
-9.1% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$16,699
-0.0% YoY-1.1% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
13.5%
+9.7% YoY+3.5% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
20.9%
-18.1% YoY-5.6% QoQ
|
+6.9% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)